Pomegranate Commercial Finance

What Pomegranate Commercial Finance does

Pomegranate Commercial Finance Limited is a UK-based, FCA-regulated commercial finance brokerage founded in 2017 and headquartered in Manchester. The firm acts as an authorised credit broker, intermediating between small and medium-sized enterprises seeking finance and a panel of lenders that includes traditional high street banks, challenger banks, and tier 1-3 lenders. Its product set spans commercial mortgages, commercial buy-to-let mortgages, development finance, bridging finance, unsecured funding, invoice finance, asset finance, trade and stock finance, debt refinancing and consolidation, revolving cashflow facilities, SME startup funding, and specialist healthcare finance. The company is also a member of the National Association of Commercial Finance Brokers (NACFB).

The firm operates a sales-led, consultative go-to-market model, generating revenue through lender commissions on successfully placed deals under structures including fixed fee, fixed rate, percentage of borrowing, and risk-based pricing. Distribution combines direct client engagement (website consultation booking, phone, email) with a broker introducer network for B2B2B origination, supported by content marketing, paid search and remarketing, and email outreach. The only proprietary technology referenced is 'Abstractus', used for market and competitor analysis on Buy-To-Let mortgage products; otherwise the platform is relationship-driven rather than software-driven.

National UK coverage is delivered from three hubs (Manchester, Liverpool, London) with a small team — five individuals are named, including Managing Director Paul Mak. Strategic positioning emphasises FCA and NACFB credentials, partnership with the British Business Bank, and a self-described 'award-winning' status (specific awarding body not disclosed). No external equity funding, revenue figures, or institutional ownership is reported, indicating founder/management ownership of an early-stage brokerage.

Name

Pomegranate Commercial Finance

Legal name

Pomegranate Commercial Finance Limited

Website

https://pomegranatecommercialfinance.co.uk

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Pomegranate Commercial Finance is a UK FCA-regulated commercial finance brokerage that intermediates SME borrowers — across property, healthcare, and general business — with a panel of high street, challenger, and tier 1-3 lenders. It earns commission on placed deals and operates nationally from Manchester, Liverpool, and London.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (52222)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

SME Commercial Real Estate (CRE) Lending (FSABABAG), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Commercial finance brokerage
• Business lending
• SME funding
• Property development finance
• Invoice factoring

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Commission from Lenders: Receives commission from a panel of lenders for arranging financing. Commission models include fixed fee, fixed rate of commission, percentage of the amount borrowed, and rate for risk based on the business risk profile.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Pomegranate Commercial Finance is a full-service commercial finance brokerage that structures and arranges finance solutions for UK businesses by intermediating between borrowers and a lender panel. The company provides access to products including commercial mortgages, development finance, bridging finance, buy-to-let mortgages, unsecured funding, invoice finance, asset finance, and trade and stock finance, supported by direct consultations and broker introducer pathways.

Product overview

Pomegranate Commercial Finance is a full-service, award-winning commercial brokerage with national coverage, FCA regulated and NACFB members. The company does not offer a unified software platform but rather acts as an intermediary connecting businesses with lenders across a network. Their core services include Commercial Mortgages, Commercial Buy-To-Let Mortgages, Development Finance, Bridging Finance, Unsecured Funding, Invoice Finance, Asset Finance, and Trade & Stock Finance. Additional offerings include SME Funding, Debt Refinancing, Debt Consolidation, Revolving Cashflow Facilities, and Healthcare Finance. The company structures finance solutions by working with a panel of lenders including traditional high street banks, challenger banks, and tier 1, 2, and 3 lenders.

Differentiator

Problem solved

Functional benefit

Brands

• Pomegranate Financial Services: Brand name used for certain service pages including asset finance, invoice finance, unsecured funding, and trade & stock finance services.

Products and services

• Commercial Mortgages Finance for businesses looking to purchase or refinance business premises, typically structured over 10 years or more with the premises at risk if repayments cannot be maintained.
• Commercial Buy-To-Let Mortgages Finance for businesses looking to purchase and let out commercial or residential properties, targeting landlords, investors, portfolio landlords, limited company investors, and HMO landlords.
• Development Finance Short-term finance (typically 6-18 months) for developers building from the ground up or repurposing existing properties, supporting new builds, conversions, renovations, or part builds.
• Bridging Finance Short-term finance (2-18 months) for urgent situations including auction purchases, property conversion, refinance, and cash flow injection, with flexible repayment options including full payment at end of term or interest-only during term.
• Unsecured Funding Unsecured business loans available up to 5 years, independent of bank relationships with quick turnaround, providing flexible access to cash for working capital, expansion, asset finance, or business expenses.
• Invoice Finance Finance solution releasing cash tied up in unpaid invoices, including invoice factoring (with credit control and bad debt protection) and invoice discounting (confidential funding-only solution), providing up to 90% of invoice value within 24 hours.
• Asset Finance Loan for funding equipment and tangible assets such as office equipment, manufacturing plants, or vehicles, offered as Hire Purchase (traditional ownership) or Finance Lease (renting with potential to retain, sell, or return asset at term end).
• Trade & Stock Finance Finance allowing businesses to borrow against inventory value for growth or seasonal demand, including letters of credit, purchase order finance, and supply chain finance.
• SME Funding Funding assistance for small to medium enterprises including startup funding to increase business cash flow and support new purchases for businesses in their early stages.
• Debt Refinancing Assistance with debt refinancing to help commercial clients source more favourable loan terms, restructure existing loans, and improve cash flow.
• Debt Consolidation Service helping businesses manage multiple debts by consolidating them into one simplified loan for more effective financial management.
• Revolving Cashflow Facilities Flexible finance facility providing ongoing access to funds without requiring new loan applications at the end of each term.
• Healthcare Finance Healthcare finance and insurance solutions with access to a nationwide network of lenders, FCA regulated and tailored to healthcare business needs.

Quantifiable outcome

• Up to 90% of outstanding invoice value within 24 hours with invoice finance
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• NACFB (National Association of Commercial Finance Brokers)coreOthersMembers of the National Association of Commercial Finance Brokers, providing credibility and adherence to industry standards.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Allica Bank: UK challenger bank serving SMEs with commercial mortgages, business loans and asset finance. Functions as both a potential lender partner on Pomegranate's panel and a direct competitor to the broker's SME client base.
• Funding Circle: UK-listed platform providing direct SME business loans. Not a broker, but a large, capitalised alternative competing for the same SME borrower demand and pulling lender attention away from broker channels.

Direct peers

• Crystal Specialist Finance: UK specialist finance broker focused on commercial mortgages, bridging and development finance. Highly comparable on the property-led subset of Pomegranate's product set and on tier-1/2/3 lender panel access.
• Rangewell: UK commercial finance broker matching SMEs to lenders across property, asset, invoice and unsecured products. Operates the same intermediary model with a lender panel and direct SME origination, with additional technology-led matching capability.
• ABC Finance: UK commercial finance broker arranging asset finance, invoice finance, business loans and commercial mortgages for SMEs. Comparable full-spectrum SME offering and panel-based intermediary model.
• Clever Lending: UK specialist commercial finance broker arranging bridging, development and commercial mortgages. Comparable product overlap in short-term and property-led finance channels.
• Henry Dannell: UK specialist broker focused on commercial and buy-to-let mortgages, including complex and large-ticket property finance. Directly comparable on the Buy-To-Let and commercial mortgage offerings where Pomegranate uses its Abstractus tool.
• Alternative Business Funding: UK-based commercial finance broker arranging business loans, asset finance, and commercial mortgages from a panel of lenders for SMEs. Closely comparable as a UK-wide broker intermediary competing for the same SME borrower segment.
• Access Commercial Finance: UK commercial finance brokerage arranging commercial mortgages, bridging, development and unsecured business funding. Comparable in product scope and target customer (SME borrowers and property investors).
• Commercial Mortgages Hub: UK broker specialising in commercial mortgages and property finance for businesses and investors. Overlaps directly with Pomegranate's commercial mortgage, BTL and development finance offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pomegranate Commercial Finance